First Financial Bankshares, Inc. (FFIN)
Juste valeurFondamental
55
Prix
$31.61
Capitalisation boursière
$4.55B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.
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Direct competitors
Who this company fights with for the same customers
Generated on 18 septembre 2026 with claude-haiku-4-5 — shared with all users
Another Texas-only multi-market community banking group competing for the same small-business and consumer accounts in secondary Texas cities rather than in the big-city corporate market.
Competes for Texas business deposits and commercial credit in the Dallas/Fort Worth, Houston and Austin markets where First Financial has been expanding.
Both run a community-bank model built on branch deposits and relationship lending to small businesses and households across the same Texas markets, from Houston and Bryan/College Station to West Texas.
Frost competes for the same Texas commercial deposits and middle-market loans, and its trust and wealth-management arm goes after the same clients as First Financial Trust & Asset Management.
A Texas bank of comparable size whose branches in East Texas, Dallas/Fort Worth and Houston overlap directly with First Financial's regions for retail deposits and local commercial real-estate lending.
Bilan & Liquidités
Chiffre d'affaires
$666M
12 derniers mois (au 30/06/2026)
Résultat net
$269M
12 derniers mois (au 30/06/2026)
Flux de trésorerie libre
$286M
Capitaux propres totaux
$1.92B
Passif total
$13.53B
Ratio de liquidité général
-
Couverture des intérêts
0.62
Dette/EBITDA
-
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$27.98
Prix actuel
$31.61
Marge de sécurité
-13.0%
Fourchette de juste valeur
$21.40 - $34.57
Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
16.97
ROE
13.2%
Ratio P/B
2.28
P/FCF
13.99
Marge brute
-
ROIC
-
Radar de rentabilité
Création de valeur (avantage concurrentiel)
ROIC
-
WACC
9.0%
ROIC − WACC
-
Critères d'analyse fondamentale
Réussi (12)
- P/FCF 13.99
- P/B Ratio 2.28
- Operating Margin 49.3%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- ROE 14.3%
- Revenue Growth 5Y 12.0%
- Analyst Consensus 50% Buy
- Earnings Quality (OCF/NI) 1.29
- Share Dilution -0.0%
- Piotroski F-Score 7/9
Échoué (11)
- EPS shows upward trend
- EPS CAGR -2.12%
- Price CAGR 3.51%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Overvalued)
- Earnings Surprise avg -4.7%
- PEG Ratio 3.63
- Net Margin Trend 40.4% vs 41.5%
Indisponible (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Score F de Piotroski
Santé financière solide
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Rachat d'actions. Favorable aux actionnaires
Participations institutionnelles
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| Mr. F. Scott Dueser | Executive Chairman | 72 |
| Mr. David W. Bailey | CEO & President | 41 |
| Ms. Michelle S. Hickox CPA | Executive VP, CFO, Secretary & Treasurer | 57 |
| Mr. Ronald D. Butler II | Executive VP & Chief Administrative Officer | 64 |
| Mr. Timothy Luke Longhofer | Executive VP & Chief Credit Officer | 42 |
| Mr. Timothy Brown | Executive VP & Chief Information Officer | 59 |
| Mr. J. Kyle McVey C.P.A. | Executive VP, Chief Accounting Officer & Investor Relations Director | 38 |
| Mr. Mike Parker | Executive VP & Chief Compliance Officer | - |
| Mr. Brian D. Goodrich | Executive VP & General Counsel | 52 |
| Ms. Violet Watson Griggs | Senior Vice President of Marketing | - |
Risque d'audit
4
Risque du conseil
4
Risque de rémunération
2
Risque droits des actionnaires
3
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Documents
- Voir le document
Rapport annuel (10-K)
Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.
Déposé le 2026-02-25
- Voir le document
Rapport trimestriel (10-Q)
Une mise à jour de la performance financière des trois derniers mois.
Déposé le 2026-08-04
- Voir le document
Rapport d'événement important (8-K)
Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.
Déposé le 2026-07-31
via SEC EDGAR
Historique des résultats
via SEC EDGAR
Latest News
Recent headlines for FFIN, sourced from Markets Gazette.